 Still , there will be bank charges in connection with the credit . It would help me greatly if you would accept D / A or D / P . You can draw on me just as if there were a letter of credit . It makes no great difference to you , but it does to me . 
 Well , Mrs . Wang , you must be aware that an irrevocable letter of cred it gives the exporter the additional protection of the bank er's guarantee . We always require L / C for our exports . And the other way round , we pay by L / C for our imports . 